Project Appraisal / Credit Appraisal

PROJECT APPRAISAL / assent APPRAISAL thrust / source idea is a skill which has to be acquired by study and supplemented by practice. Intuitive guess work has little place in appraising the credit rank or credit ineluctably of a corporate unit. The credit managers of banks and Non Banking Finance Companies (NBFCs) are transaction bound to accept or reject a scheme on the basis of its viability or non - viability. TECHNIQUES USED IN CREDIT APPRAISAL A. BY THE BANKS OR pecuniary INSTITUTIONS. B. BY THE COMPANY (BORROWER). Project / book of facts appraisal is done by banks or fiscal institutions by obtaining credit culture of the get phoner. Credit information of the borrowing ships company can be obtained by the following sources: 1. BANKS AND FINANCIAL INSTITUTIONS: The source of primary information can be from the banks and monetary institutions themselves which are the most original, the most detailed and by farthest the most trustworthy source, and as much relevant information as possible may be sought from the prospective banks. 2. BANK REFERENCES: Information about the general financial wellness of the companies would come from the bankers with whom the company has its account, but also the bankers who might pick up lent to the company.

Getting a reference through the companys bankers makes it easy to get correct information and the bestow banker may remain disguised. 3. TRADE REFERENCE: They are references from the companys customers, suppliers, etc. Suppliers information would be particularly useful because, that would give an idea of the usual salary policies of the company. 4. CREDIT RATING AGENCIES: Credit rating agencies like CRISIL Credit military rank Information Services of India modified, An RBI credit rating agency is CARE Credit Analysis and Research Limited & other agencies are ICRA Investment Information and Credit Rating Agency of India, & DCR INDIA Duff and Phelps Credit Rating India Private Limited, & ONICRA Credit Rating... If you want to get a full essay, order it on our website: Orderessay

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